Best Credit Cards for Grocery Shopping in India (2026)
Compare the top credit cards for grocery spending in India. Maximize cashback and rewards on your supermarket and BigBasket/Blinkit purchases.
#1 Best Overall
HDFC Millennia Credit Card
₹1 per point (5% cashback)
#2 Runner Up
ICICI Amazon Pay Credit Card
₹0.25 - ₹1 per point
Our Top Picks
HDFC Millennia Credit Card
HDFC Bank
Point Value
₹1 per point (5% cashback)
Expiry
2 years
Options
4 redemption options
ICICI Amazon Pay Credit Card
ICICI Bank
Point Value
₹0.25 - ₹1 per point
Expiry
No expiry if card active
Options
4 redemption options
SBI SimplyClick Credit Card
SBI Card
Point Value
₹0.25 per point
Expiry
No expiry
Options
4 redemption options
Axis Flipkart Credit Card
Axis Bank
Point Value
₹0.40 - ₹1 per point
Expiry
No expiry if card active
Options
4 redemption options
HDFC Swiggy Credit Card
HDFC Bank
Point Value
Cashback value varies
Expiry
No fixed expiry on cashback
Options
4 redemption options
Frequently Asked Questions
What is the best credit card for groceries in India in 2026?
The best card for groceries in India is HDFC Millennia Credit Card, offering ₹1 per point (5% cashback). However, the best choice depends on your overall spending pattern.
How do I maximize groceries rewards?
Use a card that earns bonus points on groceries spending. Stack with the card's portal offers and promotional categories for maximum value.
Are no-annual-fee cards good for groceries rewards?
Some no-annual-fee cards offer solid groceries rewards. However, premium cards with annual fees often provide higher earn rates that outweigh the fee for heavy spenders.
Can I use multiple cards for groceries spending?
Yes! Many rewards enthusiasts use different cards for different merchants or spending tiers to maximize their overall rewards across categories.